HDFC Bank credit card is more than just a cashless shopping tool. The bank offers loans on select credit cards over and above your credit limit. These schemes are easy to apply and allow you to repay for higher value purchases via EMIs that fit into your budget. HDFC takes care of your finances by allowing you to transfer the balance on loan with other banks and repay at lesser interest with HDFC.

Earlier known as Cash on Call, this pre-approved loan is offered for an amount equal to or less than your HDFC card’s credit limit.

Insta Jumbo Loan

This pre-approved loan is not restricted by the credit limit of your HDFC credit card. It can be availed for an amount exceeding your credit limit.

Smart EMI

It allows you to convert large purchases made with your HDFC credit card into EMIs. It comes with flexible tenure of 36, 24, 18, 12 and 9 months.

Balance Transfer on EMI

You can transfer the outstanding balance on your other bank account, such as personal loan and car loan, to a new or existing HDFC credit card. This will allow you to repay the amount with lower EMIs through Balance Transfer on EMI.

The Minimum Amount Due will be mentioned in the HDFC credit card statement that you will receive every month. The statement will include billing of EMI amount, education cess and service tax beginning from the immediate billing cycle date. For unrestricted use of card, deposit the minimum amount due regularly. Interest and other charges are calculated on the outstanding balance. You will also be charged for processing fee, which is 1% of the loan amount.